i cannot explain how obama care would affect your automobile insurance rates. if somebody said that to you, i think it is shameful. as far as as being up on the hill and being self-interested -- as us being up on the hill and being self-interested, on these programs, for insurers, we are aligned very well with what the policy makers are trying to do on this. we only benefit if you do not have losses, if you have the proper policies in place. these things benefit us, benefit the consumer, benefit congress. we are advocating a position, but it is aligned with what congress is trying to do for their constituents. host: rick from havana, illinois. caller: good morning. i have a question for you ben.